I am late 50s, self-employed and have access to health insurance as a widow through my husband's former employer. It's access because it seems to be about the same price as insurance on the open market. It was the easy choice for this year.

It turns out there is also a high deductible option & I will likely switch to that with a health savings account during open enrollment. It is also what I will be comparing against on the open market for next year.

My best friend retired from state employment and from her experience, it sort of ties you to the state and the costs can rise and the choices of insurance and drs can change.